SmartFinancial, Inc. (SMBK): Price and Financial Metrics

SMBK POWR Grades

• SMBK scores best on the Momentum dimension, with a Momentum rank ahead of 92.63% of US stocks.
• The strongest trend for SMBK is in Quality, which has been heading up over the past 177 days.
• SMBK's current lowest rank is in the Quality metric (where it is better than 27.06% of US stocks).

SMBK Stock Summary

• SMBK's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.11% of US stocks.
• With a year-over-year growth in debt of -53.76%, SMARTFINANCIAL INC's debt growth rate surpasses just 4.96% of about US stocks.
• SMARTFINANCIAL INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 15.22%, greater than the shareholder yield of 89.22% of stocks in our set.
• Stocks that are quantitatively similar to SMBK, based on their financial statements, market capitalization, and price volatility, are CCBG, ACNB, BANR, FCF, and OSBC.
• SMBK's SEC filings can be seen here. And to visit SMARTFINANCIAL INC's official web site, go to www.smartfinancialinc.com.

SMBK Valuation Summary

• In comparison to the median Financial Services stock, SMBK's price/earnings ratio is 20% higher, now standing at 13.8.
• Over the past 240 months, SMBK's EV/EBIT ratio has gone down 7.9.

Below are key valuation metrics over time for SMBK.

SMBK Growth Metrics

The 2 year cash and equivalents growth rate now stands at 147.17%.
• Its year over year cash and equivalents growth rate is now at 37.23%.
• Its 4 year revenue growth rate is now at 132.56%.

Over the past 37 months, SMBK's revenue has gone up $58,365,815.

The table below shows SMBK's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	153.487	42.212	36.673
2022-06-30	147.045	43.408	34.73
2022-03-31	140.049	40.786	33.293
2021-12-31	135.71	46.182	34.79
2021-09-30	130.953	52.394	37.164
2021-06-30	122.941	58.97	33.959

SMBK's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SMBK has a Quality Grade of C, ranking ahead of 32.11% of graded US stocks.
• SMBK's asset turnover comes in at 0.035 -- ranking 279th of 428 Banking stocks.
• FULT, SMMF, and COLB are the stocks whose asset turnover ratios are most correlated with SMBK.

The table below shows SMBK's key quality metrics over time.